(Last Modified: October 10, 2023)
2. Authorized Use of Website
For Authorized Purposes: (i) your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials; (ii) you may store files that are automatically cached by your Web browser for display enhancement purposes; (iii) you may print one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution; (iv) if we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications; (v) and if we provide social media features with certain content, you may take such actions as are enabled by such features, in all such cases, so long as you make such persons aware that you are the person who has forwarded the information and so long as you do not remove, conceal, or alter any copyright notice, byline information, disclaimer, restriction, or other notice. R&T may terminate your access to the Website for any reason, without prior notice.
This Website is only offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with R&T. If you do not meet all of these requirements, you must not access or use the Website.
3. Limits on Use of Website
You must not use the Website (i) in any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); (ii) for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise; (iii) to transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation, (iv) to impersonate or attempt to impersonate R&T, a R&T employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing); or (v) to engage in any other conduct that restricts or inhibits anyone’s use of the Website, or which, as determined by us, may harm R&T or users of the Website, or expose them to liability.
In using the Website, you may not interfere with R&T’s business or our ability to provide services to other clients of R&T, nor take any action nor make any use of the Website that places excessive burdens on the network or systems used to provide the Website. Specifically, you may not use or provide open proxies or Internet Relay Chat or use the Website for video streaming. If your use of the Website materially exceeds the use by similarly situated clients of R&T, we may suspend or terminate your use of the Website, in our sole discretion.
4. Availability of Website
R&T makes no representation, warranty, or covenant that the Website will be available at all times or at any time. Various circumstances may prevent or delay availability. R&T may, at any time, in its sole discretion and without notice, discontinue the Website, in whole or in part, or suspend your access to the Website, or withdraw or change any service or material available through the Website, for any reason or no reason. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users of R&T Portals (as defined below).
5. Ownership of Website and Contents
All right, title and interest in the Website and its entire contents, features, functionality or other materials (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) is the exclusive property of R&T, its licensors, or other providers of such material, and you have no ownership rights in the Website or such materials. The Website and such materials are protected by United States and/or international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
6. Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes (for your convenience and information only). We do not represent or warrant the accuracy, completeness, or usefulness of any information on this Website. Any reliance you place on such information is strictly at your own risk. There may be errors or omissions in the Website, and R&T reserves the right, but will not be required, to correct any errors or omissions. R&T will not be responsible for any loss, cost, damage, or liability that may result from any loss or delay of availability, any suspension of access, or any errors or omissions. In addition, R&T will not be responsible for the accuracy, completeness, or timeliness of the Website (including any content on it) or for the results obtained from its use. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
Our services are provided only to Clients, subject to the terms and conditions of the written agreements entered into between R&T and its Client with respect to the particular service provided by R&T, and we provide no representations or warranties, express or implied, except as expressly set forth in those agreements.
This Website may include content provided by third parties, including materials provided by other third parties. All statements and/or opinions expressed in those materials, and all articles and responses to questions and other content, other than the content provided by R&T, are solely the opinions and the responsibility of the third party providing those materials. Those materials do not necessarily reflect the opinion of R&T. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
7. R&T’s Products and Services
8. No Legal, Investment or Other Professional Advice
R&T does not offer or provide, and nothing in this Website shall constitute, any tax, accounting, investment, legal or other professional advice or recommendation. Nothing on this Website or otherwise constitutes an offer to sell or a solicitation of an offer to buy any security. Without limiting the foregoing, R&T does not offer or provide any professional or investment advice or recommendation regarding the nature, potential value, or suitability of any particular program, product, service, transaction, investment strategy, or other course of action by a person, including any Client or Customer. Prior to the execution of any transaction by you involving information you receive from the Website or R&T, you should consult your financial, business, tax and accounting advisors and your attorney, with respect to the price, suitability, value, risk or other aspects of any product or service.
9. Forward Looking Statements
Certain information on the Website may contain certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words “believe,” “expect,” “anticipate,” “optimistic,” “intend,” “aim,” “will” or similar expressions are intended to identify forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements. Any dated information is published as of its date only. Dated and forward-looking statements speak only as of the date on which they are made. We undertake no obligation to update or revise any dated or forward-looking statements.
10. R&T Portals
R&T may permit use or access to website portals or platforms by its Clients and their authorized representatives (“Client Portals”). In addition, R&T may permit use or access to website portals or platforms by customers of R&T’s Clients (“Customers”) (the “Customer Portals”). Such Client Portals and Customer Portals, the “R&T Portals”. Access to any R&T Portal, including through the Website, is limited to duly authorized employees or representatives of our Clients that have entered into a written agreement with R&T and/or, if applicable, their authorized Customers, in each case who have been granted access to the R&T Portal. You may not obtain or attempt to obtain unauthorized access to a R&T Portal or any other protected materials or information through any means not intentionally made available by R&T for your specific use.
If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures to access a R&T Portal, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account through any R&T Portal is personal to you and you agree not to provide any other person with access to the R&T Portal or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your R&T Portal account from a public or shared computer so that others are not able to view or record your password or other personal information.
11. Changes to the Website
We may update or change any contents on the Website from time to time, in our sole discretion and without notice. We make no representation or warranty that the content on the Website is necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
12. Linking to the Website and Social Media Features
You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our prior express written consent.
We may disable all or any social media features and any links at any time without notice in our discretion.
13. Links from the Website
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements and understand the privacy policies of the linked site. Such linked sites are subject to the terms and conditions of use for such site.
14. User Contributions
The Website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards and other interactive features (collectively, “Interactive Services“) that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, “post“) content or materials (collectively, “User Contributions“) on or through the Website.
You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not R&T, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.
We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.
15. User Contributions – Monitoring and Enforcement; Termination
Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS R&T AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY R&T OR ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER R&T OR SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.
However, we do not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
16. Content Standards
17. Geographic Restrictions
The owner of the Website is based in the State of New York in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws. By the Website, you understand that information about you may be transferred to countries outside of your country of residence, including to the United States, which may have data protection rules that are different from those of your country.
18. Privacy & Collection of Your Information through Website
You must not use our marks without our express prior written consent. R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM ®, DepositView® and RTID® are registered marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). Total Bank Solutions®, TBS Verify® and TBS Bank Monitor® are registered marks of Total Deposit Solutions, LLC (d/b/a R&T Deposit Solutions). RNTSSM, Certificate of Deposit MarketplaceSM, R&T FusionSM and Fusion by R&TSM are pending marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). IDEASM and R&T Bank MonitorSM are unregistered service marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). R&T also claims rights in certain other trademarks and service marks contained and displayed on the Website
All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. R&T makes no claim to such marks and does not endorse, support or recommend such goods or services.
20. Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that files, data or other materials available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PERMITTED BY LAW, R&T SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES, LINKS OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER R&T NOR ANY PERSON ASSOCIATED WITH R&T MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER R&T NOR ANYONE ASSOCIATED WITH R&T REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PERMITTED BY LAW, R&T HEREBY DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY (A) WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, (B) WARRANTIES AGAINST INFRINGEMENT OF ANY THIRD-PARTY INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS OR OF QUIET ENJOYMENT, (C) WARRANTIES RELATING TO DELAYS, INTERRUPTIONS, ERRORS, OR OMISSIONS, AND (D) WARRANTIES OTHERWISE RELATING TO ACCURACY, PERFORMANCE, OR OTHER ACTS OR OMISSIONS BY R&T.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
21. Limitation on Liability
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
23. Governing Law, Jurisdiction & Waiver of Jury Trial
24. Limitation on Time to File Claims
26. Waiver, Severability & Assignment
27. Entire Agreement
Notwithstanding the above, with respect to the R&T Portals, the sole and entire agreement between, on the one hand, R&T and, on the other hand, a Client and/or Customer, are the documents as set forth in the ‘R&T Portals’ section above (and those documents supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the R&T Portals).
28. Your Comments and Questions
This Website is operated by Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions), located at 1370 Broadway, 17th Floor, New York, NY 10018. All notices of copyright infringement claims should be sent to Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions), 1370 Broadway, 17th Floor, New York, NY, Attention: Executive Vice President, General Counsel.
All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to firstname.lastname@example.org
Copyright © 2023 Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). All rights reserved.